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I'm not sure that electric motors lose efficiency by being too powerful? They don't idle, and when they have large(r) diameter armatures, they increase in torque with the same electrical input, because of the physical leverage. They actually increase in efficiency (a bit) when the armature is larger because then you can fit in more coils, which improves the geometry.
With 4 wheel drive, you get both better acceleration, you get better regenerative braking. You do not have to power the motors equally all the time. With direct drive, you have no gearing losses, and with in hub motors, you don't even have U-joints or CV-joints; though you do increase the unsprung weight.
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